Honda Civic Insurance Rates

Honda Civic insurance rates change from driver to driver, but average insurance rates for a Honda Civic are $1,536 a year for full coverage. This figure is based on a variety of individual factors such as your age, location, and the model year of your car. 

For example, 2005 Honda Civic insurance rates are likely more affordable than 2009 Honda Civic insurance rates.

In order to help you secure an affordable Honda Civic auto insurance policy, we have compiled a lot of helpful information in this guide. Start reading through the information below so you can finally discover the average insurance cost before you buy Honda Civic auto insurance.

You can even start comparing Honda Civic auto insurance quotes from multiple companies by entering your ZIP code into our free tool.

Estimated auto insurance rates for a Honda Civic are $1,512 annually including full coverage. Comprehensive insurance costs around $256, collision costs $626, and liability insurance costs $450. A liability-only policy costs as little as $518 a year, with high-risk insurance costing $3,316 or more. Teens pay the most at $5,808 a year or more.

Average premium for full coverage: $1,512

Premium estimates for type of coverage:

Rates are based on $500 physical damage insurance deductibles, 30/60 bodily injury liability limits, and includes medical and uninsured motorist coverage. Rates include averaging for all 50 U.S. states and for different Civic trim levels.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Your location has a significant impact on the price of insurance. Areas with sparse population are statistically proven to have fewer comprehensive and collision claims than cities with more traffic congestion.

The price range example below illustrates how your location can change auto insurance rates.

These rate differences highlight why anyone shopping for car insurance should compare rates for a specific zip code and their own personal driving habits, rather than relying on averaged prices.

Use the form below to get customized rates for your location.

Detailed Rate Analysis

The chart below breaks down estimated Honda Civic insurance rates for additional coverage choices and driver risks.

• The cheapest rate after discounts is $857
• Drivers who choose higher $1,000 deductibles will pay about $198 every year
• The estimated rate for a 40-year-old good driver using $500 deductibles is $1,512
• Selecting more expensive low deductibles for comprehensive and collision insurance costs an additional $396 a year
• High risk drivers with serious driving violations could pay at least $3,316 or more
• An auto insurance policy with full coverage for a teen driver with full coverage can be $5,808 a year

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Auto insurance prices for a Honda Civic also have a wide range based on the model of your Civic, your driving characteristics, and deductibles and policy limits.

An older driver with a good driving record and high physical damage deductibles could pay as little as $1,400 per year on average, or $117 per month, for full coverage. Prices are much higher for drivers in their teens, where even without any violations or accidents they will have to pay as much as $5,800 a year. View Rates by Age

If you have a few violations or you caused a few accidents, you are likely paying at least $1,800 to $2,500 in extra premium annually, depending on your age. High-risk driver insurance can cost anywhere from 43% to 132% more than the average policy. View High Risk Driver Rates

Choosing higher comprehensive and collision insurance deductibles could save up to $600 each year, while increasing your policy's liability limits will increase prices. Changing from a 50/100 bodily injury limit to a 250/500 limit will cost up to $358 extra every year. View Rates by Deductible or Liability Limit

Where you choose to live makes a big difference in Honda Civic insurance rates. A 40-year-old driver could pay as low as $1,160 a year in states like Missouri, New Hampshire, and Vermont, or have to pay at least $2,160 on average in Michigan, New York, and Louisiana.

View Chart as Image

With such a large range in prices, the best way to figure out your exact price is to compare prices from as many companies as possible. Every company calculates prices differently, and quoted prices will be substantially different between companies.

Insurance Rates by Trim Level and Model Year

Rates assume 2023 model year, a 40-year-old male driver with no accidents or violations, $500 comprehensive and collision deductibles, minimum liability limits, and uninsured/under-insured motorist coverage included. Rates are for comparison only and are averaged for all 50 U.S. states.

How to Buy the Best Cheap Honda Civic Insurance

Finding better rates on Honda Civic insurance not only requires being a low-risk driver, but also having above-average credit, refrain from filing small claims, and maximizing policy discounts. Invest the time to shop around at every other renewal by obtaining price quotes from direct car insurance companies, and also from your local independent and exclusive agents.

The items below are a quick review of the concepts that were illustrated above.

• High-risk drivers with a DUI or reckless driving violation may pay on average $1,800 more every year to insure their Civic
• Teen drivers are expensive to insure, with the cost nearing $484 per month if full coverage is included
• You may be able to save up to $190 per year simply by shopping early and online
• Increasing policy deductibles could save up to $600 each year
• You may be able to save up to $190 per year simply by shopping early and online

Now that you have a better understanding of how Honda Civic car insurance rates are determined, the next step is to find out what your policy might look like. Take advantage of our free quote tool below to compare Honda Civic insurance costs from multiple companies.

What are the safety ratings of the Honda Civic?

The safety ratings of the Honda Civic are important to know because positive scores translate to lower insurance rates.

Take a look at the Honda Civic’s crash test ratings as determined by the Insurance Insitute for Highway Safety (IIHS).

• Small overlap front (driver-side): Good
• Small overlap front (passenger-side): Good
• Moderate overlap front: Good
• Side: Good
• Roof strength: Good
• Head restraints and seats: Good

These results indicate that the Honda Civic received the highest mark possible in every crash test. That’s very impressive for a small car.

Honda Civic Compared Against Other Vehicles in the Same Class

Since the IIHS classifies the Honda Civic as a small four-door sedan, there is plenty of competition in this vehicle segment. 

Take a look at the following models that are comparable to the Honda Civic to see what average insurance rates look like:

• Nissan Sentra
• Hyundai Elantra
• Toyota Prius

While the preceding three sedans also show favorable insurance rates, the Honda Civic reflects a bodily injury loss percentage of 29 percent and a property damage loss percentage of 11 percent. Both are considered a little above average for this vehicle class. Make sure to ask your provider about to file Honda Civic auto insurance claims in the event of a collision.

We have uncovered a lot of information about the Honda Civic, so is there anything we might’ve missed? If not, start comparing Honda Civic insurance rates from multiple companies by using our free online quote tool.